You Need a Budget
The Proven System for Breaking the Paycheck-to-Paycheck Cycle, Getting out of Debt, and Living the Life You Want
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You Need a Budget
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Narrated by:
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Jesse Mecham
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By:
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Jesse Mecham
About this listen
For most people, budgeting conjures up the same feelings as, say, prison and dieting. But your initial instinct couldn't be further from the truth. You just haven't budgeted the right way.
You Need a Budget will teach you four simple rules to completely revolutionize the way you think about managing your money. With a budget, you'll break the paycheck-to-paycheck cycle, get out of debt, and save more money. A liberating, enabling, empowering budget will actually make you feel more free, not more restricted. The YNAB philosophy is centered around these four rules:
- Give every dollar a job. Take your cash, checking, and saving accounts and assign jobs to that money. Begin now with what you have on hand. Then follow your plan. Pick your priorities, and make sure your dollars are helping you move closer to the things you care about most.
- Embrace your true expenses. Look ahead and identify the larger, less frequent expenses that tend to sneak up on you. Break those expenses into manageable monthly amounts. Consider insurance premiums, birthdays, holidays, charitable giving, car repairs, etc. This practice evens out your cash outflows, decreases your stress, and helps you make better decisions.
- Roll with the punches. Accept the fact that life always changes and you'll likely always go over budget somewhere. If an unexpected expense comes up and you need to change your budget, just change it. The YNAB philosophy not only tolerates changing your budget but encourages it.
- Age your money. The goal of this rule is to increase the time between the moment you earn money and the moment you spend that money. In other words, if you're going to break the paycheck-to-paycheck cycle, you need to learn to live on money you earned a month or two months or even three months ago.
YNAB's four rules are the pillars of a tried-and-true system that gets you to engage with your money every day. It helps you change your behavior so that you're proactive and in control of your finances. It's not about stressing over last month's statement; instead, you're looking ahead and actively deciding how you want and need to build a life of meaning, not stress.
PLEASE NOTE: When you purchase this title, the accompanying reference material will be available in your Library section along with the audio.
©2017 YNAB Licensing LLC (P)2017 HarperCollins PublishersWhat listeners say about You Need a Budget
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Overall5 out of 5 stars
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- Ngapaki Moetara
- 26-03-2018
Amazing
loved it's easy language and practical application. I can't wait to budget. life-changing reframes budgeting
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- Anonymous User
- 16-10-2019
Proper Review... Please read
Easy to follow and by no means a "this is what you have to do" book.. purely based on recommendations and examples of how thjngs can work better, things that catch you by suprise in life, and over all explaining financial freedom. Definately a great book for in particular you struggle with credit debt and live paycheck to paycheck, or just need a bit of SELF discipline in your finances... this book gives you the opportunity to make up YOUR OWN MIND about how to sort your finances. Listened to it 4 times in a row and it's given me a perspective for a lot more value toward my dollars. Highly recommend
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3 people found this helpful
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Overall4 out of 5 stars
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- Carla
- 23-06-2019
Definitely worth a read
Better than a few personal finance books I’ve read lately. I liked a few of his concepts that I think I will actually utilize. He was very easy to listen to as well.
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- Kylie
- 31-01-2021
Very practical
I have read many budgeting books and this one is different. It makes you think about money in a different way and prioritise your spending. I took away a number of 'golden nuggets' of information which I really like from a book. The narration is very clear and enjoyable to listen to.
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- Anonymous User
- 23-07-2019
Best Budgeting book
So glad I came across this book. I have never budgeted before and this book has made budgeting so easy that I’m actually enjoying do so. Should have done this ages ago. I love using the app on my computer and my phone. I mainly budget each pay on my computer but then use my phone to enter transactions on the go and the two sync up automatically! So Easy !!
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- Amazon Customer
- 19-01-2019
Great book and philosophy
Great lessons, book, philosophy however a little dry at times when listening. We are already YNAB fans so this just reaffirmed where we are heading
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- Joel Rasmussen
- 08-05-2019
Brilliant advice delivered very simply
a great book I wish that I had read in my youth. He simply lays out rules for a budget that are clear concise and easy for a budget rookie to follow. Read by the author too and he did a great job of it.
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